Using your card with Apple Pay

Apple Pay is a fast and easy way to pay, allowing you to make secure transactions in stores, apps and online.

Benefits How to set up How to use Use when travelling Adding to other devices FAQs

Why use your card with Apple Pay

Enjoy all the benefits of your card with Apple Pay on your everyday devices.

It’s easy, safe and convenient to use

Use Apple Pay in countless locations: in shops, apps and online

Make purchases above the £100 limit in countless locations

A secure way to pay

Your card and personal information always remain private.

• Your card number isn’t stored on your device or on Apple servers

• Your card number is never shared with the person or retailer you’re paying – a unique, encrypted account number is used instead

• Your payment information is protected with multiple layers of security.

In addition, payments need to be authorised with Touch ID or Face ID when paying in-store or in-app.

Keeping your money safe

However you choose to pay, we take fraud protection very seriously.

• We look for any unusual activity and take steps to protect your account

• View your Apple Pay transactions in the card app, and see the last ten transactions made on your device in the Apple Wallet app.

How to set up Apple Pay

Add your card to Apple Pay via your card app.


Open your app


Click ‘add to Apple Wallet’ in your ‘My Card’ tab (in the navigation bar)


Enjoy using Apple Pay

Alternatively, add your card directly from your Wallet app on your Apple device.


Open the Wallet app


Tap the plus sign in the top right corner of the screen then follow the instructions to add your card to your wallet


Enjoy using Apple Pay

You can use Apple Pay anywhere you see one of these symbols

How to use Apple Pay with your iPhone


Hold your phone up to a contactless reader (no need to open the Apple Pay app)


Verify it’s you using your Touch or Face ID


You’ll know your payment has been authorised when you see the Done check mark

Set your card as your default payment card.

Open the Wallet app, tap and drag your card to the front of the stack and release.
You can add up to 12 cards to Apple Pay on your iPhone.

Making life easier when travelling in London

Paying for journeys on the Transport for London (TfL) network is easier with Express Mode for Apple Pay.

With Express Mode, you won’t need to authenticate your payment with Face ID or Touch ID – it’s the quickest and simplest way to pay for the Underground, Overground, buses and more.

Set up an Express Transit card with Apple Pay


Open ‘Settings’ on your iPhone. Tap ‘Wallet & Apple Pay’


Select ‘Express Travel Card’ and choose your card


When travelling on the TfL network, just tap your iPhone or Apple Watch on the yellow card reader and go.

Remember to always use the same device to tap in and out of your journey, otherwise you could be charged the maximum fare.

How to add your card on other Apple devices

For Apple Watch, open the Apple Watch app on your iPhone and select ‘Wallet & Apple Pay’, then tap ‘Add Card’.

On iPad, go to Settings, open ‘Wallet & Apple Pay’ and select ‘Add Card’.

On MacBook Pro with Touch ID, go to System Preferences, select ‘Wallet & Apple Pay’, then tap the ‘+’ sign to add your card.


  • iPhone 6 or later
  • Apple Watch; requires iPhone 6 or later
  • iPad: iPad Pro, 5th generation iPad, iPad Air 2, iPad mini 3 and later
  • Mac: Mac 2012 or later with an Apple Pay-enabled iPhone or Apple Watch, Mac models with Touch ID

A full list of Apple Pay compatible devices can be found at:

Open your Wallet app and drag the card to the front.

Apple Pay does not send your real card number to the merchant, instead a unique code is assigned. Your card details are not stored on your device because when you pay using Apple Pay the data is encrypted. Every payment you make requires Touch ID, Face ID or a passcode for added security.

No, if you have gone overlimit or miss a payment your card will not work on Apple Pay.

If your phone has been lost or stolen, or compromised in any other way, you will need to call our Contact Centre on 0333 220 2692 immediately to disable your card in Apple Pay. You can use Find My iPhone to set your device in ‘Lost Mode’ via the following link: You can then secure it with a new password, or erase your personal data.

If your card has been blocked because it was reported lost or stolen, then you will not be able to use it in your digital wallet.

Apple Pay can be used anywhere you see the Apple Pay or Contactless icons around the world.